[Resolved]  State Bank of India — Missing Cheque Payment

Please find below the letter I have sent SBI Card & bank regarding my issue which is not resolved. My cheque payment is still missing & funds have left my bank account. I am frustrated with no where to go for help.
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TO, Date: 10/12/2008
THE MANAGER
CREDIT CARDS [DEPT ]
STATE BANK OF INDIA

DEAR SIR,

RE: SBI CARD NO: [protected]-MR R L KESWANI

This is to bring to your notice that MY SBI CHEQUE NO 561556 DATED 27/9/2008 FOR RS 1830.00 WAS RETURNED UNPAID DUE TO UNCLEARED AFFECTS FROM MY SBI SAVINGS A / C [ [protected]] ON 3/10/08 BECAUSE OF BANK & PUBLIC HOLIDAYS FROM 30/09-02/10/08.And the same cheque WAS REPRESENTED BY U ON 7/10/08 & WAS DEBITED IN MY SAVINGS A/ C AND CLEARED BY [ SBI CARDS ]. Till date, I have been receiving calls from 8am-8pm daily from number of representatiaves of your recovery dept stating the payment has not been made. I spoke to your managers Sarla & Terry a number of times explaining my concern. They requested me to send the following documents to confirm proof of payment : 1) Copy of bank passbook, 2) Copy of bank certificate 3) Copy of bank statements. The same has been faxed to the your Delhi & Chennai Call Centres on number of occasions. Despite providing all the proof, my payment has not been found & allocated. I have been charged late payment fees & interest charges for a payment that I have made, but has been misplaced by either your company or your sister company SBI bank. Sarla mentioned that payment cannot be found.Why should I be penalised for the error at the bank’s end? I am a customer for 5 years now & have not defaulted with my payments till date. I have been very patient with you for the past two months inspite of been harassed every single day(including Sundays). Your bank has given me enough and more of stress which I cant handle anymore. I have done my part & provided you the required proof to confirm that I have made my payment. Its now your internal problem & you need to sort it out with the bank. I cant do anything more that providing proof. I now want to close my credit card account with immediate effect. A copy of this letter has been sent t to my LAWYER for further action & it has also been sent to SBI Bank.
Thanking You
Yours Sincerely

R.L.Keswani
[protected]email id- [protected]@rediffmail.com)

Note: The above has been faxed to the following nos –[protected] &[protected]